Mr. J.T.S (Tom) Lumsden (National Manager, Education Financing, Personal and Commercial Banking, Royal Bank Financial Group, Financial Arrangements Working Group): Good morning.
M. J.T.S (Tom) Lumsden (directeur national, Financement de l'éducation, Services bancaires aux particuliers et aux entreprises, Groupe financier Banque royale, Financial Arrangements Working Group): Bonjour.